BHP Architecture
ActiveBHP Architecture has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €-22k. Equity is growing by ~33.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-86
Solvency50▼-46
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 3.44 in 2024; short-term debt: 13.9% and cash: 17.8% of total assets), but 75.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.6%
Return on assets
-5.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 9450 sector peers (2025).
NBB · sector comparisonPosition among 9450 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
37 d early
2023
20 d early
2022
12 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▼ 27.0%
2024 · €126k
2022: €30k
2023: €86k
2024: €126k
2022 → 2025
Total assets
€373k▲ 112%
2024 · €176k
2022: €97k
2023: €150k
2024: €176k
2022 → 2025
Net result
€-22k
2024 · €39k
2022: €41k
2023: €57k
2024: €39k
2022 → 2025
Working capital
€62k▼ 47.5%
2024 · €118k
2022: €40k
2023: €95k
2024: €118k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€86k▲ 190%€126k▲ 45.6%€92k▼ 27.0%
Operating result€57k-€79k▲ 38.2%€57k▼ 27.8%€-19k
Net result€41k-€57k▲ 38.3%€39k▼ 30.5%€-22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €57k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €373k
Fixed assets
€259k▲ 2,655%
Current assets
€114k▼ 31.6%
Equity and liabilities €373k
Equity
€92k▼ 27.0%
Debt
€282k▲ 460%
The debt ratio rises from 28.6% to 75.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▼
2024 · €67k
Cash flow
€-14k▼
2024 · €49k
Solvency
24.6%▼
2024 · 71.4%
Current ratio
2.19▼
2024 · 3.44
Quick ratio
2.19▼
2024 · 3.06
Debt / equity
3.07▲
2024 · 0.40
ROE
-24.2%▼
2024 · 31.3%
ROA
-5.9%▼
2024 · 22.4%
Interest coverage
-3.96▼
2024 · 31.39
Debt
€282k▲
2024 · €50k
Debt ≤ 1 year
€52k▲
2024 · €48k
Debt > 1 year
€230k▲
2024 · €1k
Income taxes
€264▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€176k€373k▲
Fixed assets21/28€9k€259k▲
Intangible fixed assets21€413€0▼
Tangible fixed assets22/27€9k€259k▲
Land and buildings22-€229k
Furniture and vehicles24€9k€7k▼
Assets under construction and advance payments27-€23k
Current assets29/58€166k€114k▼
Stocks and contracts in progress3€18k€0▼
Stocks30/36€18k€0▼
Amounts receivable within one year40/41€60k€32k▼
Trade receivables40€53k€29k▼
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€71k€67k▼
Deferred charges and accrued income490/1€18k€16k▼
Equity and liabilities
Total equity and liabilities10/49€176k€373k▲
Equity10/15€126k€92k▼
Contributions10/11€6k€6k=
Reserves13€120k€86k▼
Distributable reserves133€120k€86k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€50k€282k▲
Amounts payable after more than one year17€1k€230k▲
Financial debts170/4€1k€230k▲
Amounts payable within one year42/48€48k€52k▲
Current portion of amounts payable after more than one year42€3k€12k▲
Trade debts44€23k€8k▼
Suppliers440/4€23k€8k▼
Taxes, remuneration and social security45€3k€510▼
Taxes450/3€3k€510▼
Other amounts payable47/48€18k€31k▲
Accrued charges and deferred income492/3€448€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€996€2k▲
Non-recurring operating charges66A€340€0▼
Gross operating margin9900€68k€-8k▼
Operating profit (loss)9901€57k€-19k▼
Financial income75/76B€87€42▼
Recurring financial income75€87€42▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€55k€-22k▼
Income taxes67/77€16k€264▼
Profit (loss) for the period9904€39k€-22k▼
Profit (loss) for the period to be appropriated9905€39k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€-22k▼
Transfer from equity791/2-€120k
Transfer to equity691/2€39k€86k▲
To other reserves6921€39k€86k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-22k ▼156%
Net result drops to €-22k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €126k ▲45.6%
3 profitable years in a row build equity to €126k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €57k ▲38.3%
Operating result €79k, net result €57k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Spa · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Ecomines 304900 SpaGround area
75 m²
Building footprint
72 m²
Volume, LiDAR
893 m³
Parcel 63072G0687/00X000, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Ecomines 30, 4900 Spa
since 20222.330.461.226
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63072G0687/00X000 | Wallonia | 74 m² | 1 · 72 m² | 13.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SLB
BE 0471.988.142
Fosses-la-Ville · Eq €92k
HAENEN MARC ARCHITECTENVENNOOTSCHAP
BE 0864.786.276
Maasmechelen · Eq €92k
ARCHITECTUURSTUDIO PVDW
BE 0471.724.856
Londerzeel · Eq €92k
ATELIER D'ARCHITECTURE ANDY FANK
BE 0831.395.710
Liège · Eq €92k
N.H. CONCEPT-BUREAU D' ARCHITECTURE
BE 0806.383.467
Sint-Lambrechts-Woluwe · Eq €92k
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2022
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.